Two minutes to set up.
Calm every day after.
Add your numbers
Salary, rent, essentials and each EMI or BNPL. Add every bank account you use. No bank login, no documents.
Get one safe number
Each morning EMI Bro tells you what you can spend today without missing a debit. UPI and card spends can log themselves.
Climb to EMI-free
A monthly ladder of small moves, easiest first, and a date you can watch move closer as you tick them off.
Everything an EMI needs.
Nothing a lender wants.
One honest number, every morning
Your salary, rent, EMIs and today's spends, turned into the amount you can spend today without missing a single debit.
- Drops the moment you log a spend
- Warns you days before an EMI could bounce
- Works across all your bank accounts
See what “no-cost” really costs
Scan the offer or type it in. Hidden interest, GST and fees are added back, and you see what one more EMI does to your month before you sign.
- Bank-by-bank GST and fee rules
- Shows the discount you give up
- Share a card with friends, no personal numbers on it
A date, and a ladder to reach it sooner
See the exact month your last EMI ends. Drag the extra-per-month slider and watch the date move, then follow a ladder of small steps built from your own loans.
- Highest-rate or smallest-loan first, your choice
- Interest you avoid, shown in rupees
- One rung a month, one step at a time
A coach who knows your numbers
Ask “can I buy this?” or “which EMI first?” and get an answer grounded in your own figures. Type or talk. Any change it makes shows up with Undo.
- Questions never change your numbers
- No loan ads, no cards, no cross-selling
- Only the numbers needed for an answer are sent
Every due date, before it's due
Your month on one screen: what's due, what's paid and from which account. A reminder lands before every EMI with a one-tap Mark paid.
- Always-on summary in your notifications
- Streaks for paying on time and logging daily
- A home-screen widget for your safe number
Your money is your business.
EMI Bro was built so nothing about your finances has to leave your phone.
Read the privacy policy-
Stays on your phone
Profile, expenses and plans are stored on the device. Debit alerts are read on the phone and never uploaded.
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No bank login, ever
You type your numbers in. EMI Bro never asks for net-banking passwords and never connects to your bank.
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Never shared with lenders
Nothing is sold or passed on. Export your data or delete everything in one tap.
Start for less than a chai.
Every feature, unlocked. Then one simple plan, or cancel before the trial ends and pay nothing more.
Membership is sold on this website (emibro.in) by EMI BRO; PhonePe handles payment through UPI AutoPay. Access is delivered instantly in the app. Cancel anytime from your account page. Membership terms.
One bounced EMI can cost more than a month of EMI Bro.
Bounce charges and late fees add up fast. EMI Bro warns you days before, so you can move money in time.
New here? Get the app first to create your account.
Good to know
Do I have to link my bank account?
No. You enter your salary, rent and EMIs yourself. EMI Bro never asks for net-banking credentials and doesn't connect to any bank.
How do spends log themselves?
If you switch on auto-capture, EMI Bro reads debit alerts from payment and bank apps on your phone, with your permission. The alert is parsed on the device and never uploaded. You can turn it off any time.
Will EMI Bro offer me loans or credit cards?
Never. EMI Bro is built to help you finish your EMIs, not take new ones. There are no loan ads and nothing is shared with lenders.
Is Bro AI financial advice?
Bro AI gives educational guidance from your own numbers. It can be wrong, so confirm terms with your lender before acting. It is not licensed financial advice.
How do I cancel or delete my account?
Cancel any time from your account page; during the ₹1 trial nothing more is charged. Delete your account and all data from the app (You → Settings → Delete account), or follow the steps on the account deletion page.
More answers on the support page.
Your EMI-free date is closer than you think.
Set up in two minutes. See your safe number today.
Get it onGoogle PlayAndroid 8.0 or newer · Permissions explained